Insurance laws vary by state, so whether you can exclude a driver, etc., is highly location dependent.
When I bought my first Tesla Model S ten years ago I had 2 teens with licenses. Our state/insurance company would not allow excluding a specific driver(s) from a specific vehicle. What I was able to do was go with a second insurance company to cover just my Tesla and include just myself and my spouse on it. This way I was able to get a favorable rate on the expensive vehicle and still have my kids insured on the couple of Hondas which we owned that my wife and them would drive.
So key is check out what the options are in the state where you live. This is where having a relationship with an agent can be useful to help you explore the art of the possible. That's actually how I became aware of the option of have a second policy with a second company which worked very much to my advantage for several years.
When I bought my first Tesla Model S ten years ago I had 2 teens with licenses. Our state/insurance company would not allow excluding a specific driver(s) from a specific vehicle. What I was able to do was go with a second insurance company to cover just my Tesla and include just myself and my spouse on it. This way I was able to get a favorable rate on the expensive vehicle and still have my kids insured on the couple of Hondas which we owned that my wife and them would drive.
So key is check out what the options are in the state where you live. This is where having a relationship with an agent can be useful to help you explore the art of the possible. That's actually how I became aware of the option of have a second policy with a second company which worked very much to my advantage for several years.
